Debt Descent: Payoff Planner

Run your real balances through the Snowball and Avalanche methods, see your exact debt-free date, and find what each plan saves. Private, and synced across your devices.

Debt Descent turns your real balances and APRs into a clear, side-by-side payoff plan — and shows you exactly when you'll be debt-free.

Add your debts, set the extra you can put toward them each month, and Debt Descent runs the two proven payoff strategies at once:

• Snowball — clear the smallest balance first for fast, motivating wins • Avalanche — target the highest APR first to pay the least interest • Custom — set your own order and see what it costs or saves

You get the numbers that matter, not vague advice: • Your debt-free date and payoff time for each method • Total interest and total paid, side by side • The interest you'd save by choosing one method over the other • A "descent to zero" chart that plots every balance falling to zero • A monthly budget breakdown — minimums vs. your extra, interest vs. principal

Built for real life: • Snowflakes — drop in a future bonus or tax refund and watch your payoff move up • Refinance & consolidation — model a balance transfer, loan, or per-account new rates, then apply the deal in one step • Payment groups — one monthly payment covering several debts? Log it once and it splits to the cent • Promo & deferred-interest tracking — never get surprised by a 0% intro APR reverting • Per-debt amortization schedules and "pay this down now" what-ifs • Log payments and track your real progress against the plan — see if you're ahead or behind • Due-date reminders and calendar (.ics) export

Add a card in seconds: • Import a statement PDF and Debt Descent reads the balance, APR, minimum, and due date for you — entirely on your device • Or import and export your whole plan as JSON

Sync and privacy, both: • iCloud sync keeps your debts, payments, and plan up to date across your iPhone, iPad, and Mac — automatic and free • No account, no sign-up, no servers of ours — your data lives on your device and in your own private iCloud, where we can't see it • Statement reading happens on-device with PDFKit, Vision, and Apple Intelligence — nothing is uploaded

One app, every screen: Debt Descent is a native, universal app for iPhone and iPad.

Debt Descent is free to use — add your debts, run the Snowball and Avalanche methods, see your debt-free date, track payments and progress, and import a statement on-device. A one-time Pro upgrade ($9.99, unlocks on all your devices) adds five more payoff methods, the what-if slider and per-debt payoff tests, snowflakes, refinance modeling, amortization schedules, PDF/calendar export, and due-date reminders.